United Heritage Austin TX Credit Union | Best Auto Loans & Checking

Introduction

Welcome to United Heritage at our River Place branch, located at 10815 Ranch Road 2222, Austin, TX 78730. Since our establishment in 1957, we have proudly served over 80,128 members, providing a range of financial services designed to meet your needs and support your goals. Our commitment to the community is reflected in our impressive assets of $1,585,933,733 and total deposits amounting to $189,105,834. At United Heritage, we believe that banking should be more than just transactions. It's about building relationships and helping our members thrive financially. With a dedicated team of 225 employees, led by our CEO Michael Ver Schuur and Board President Val Velasquez, we strive to offer personalized service that makes you feel valued. While members can visit us at our River Place branch for personal banking, auto loans, mortgages, and more, please note that official correspondence should be sent to our mailing address: PO Box 202020, Austin, TX 78720. Our financial strength allows us to offer competitive loan options with a total of 31,905 loans and leases, ensuring you have access to the funds you need when you need them. Whether you're looking for a new car or refinancing your home, we are here to help guide you through every step. We invite you to explore all that United Heritage has to offer. For inquiries or assistance, feel free to reach out at 512-435-4545 or visit us online at uhcu.org. We look forward to being your trusted partner on your financial journey!

Branch History & Mission

Welcome to United Heritage, your trusted financial partner in Austin, TX! Established in 1957, our branch has a proud history of serving our community with dedication and care. Over the years, we have grown from humble beginnings into a robust institution, now boasting a total membership of 80,128 members and total assets reaching an impressive $}. Located at 10815 Ranch Road 2222 Austin Tx 78730, just a stone's throw away from local landmarks, we are easily accessible for all your banking needs. If you wish to send us any official correspondence, please use our mailing address: PO Box 202020, Austin, TX 78720. At the heart of our mission is a commitment to empowering our members through comprehensive financial services while supporting community growth. We strive to offer products that cater not just to individual needs but also uplift local businesses. From personal banking solutions such as checking and savings accounts to auto loans and mortgages, we aim to provide straightforward options that make managing finances easier for everyone. Our drive-thru service and 24/7 ATM availability ensure you can access your funds when it suits you best. We're committed to leveraging technology for better service, offering online banking, mobile payments, and e-statements so that our members can manage their finances conveniently from anywhere. United Heritage is more than just a financial institution; we pride ourselves on being an integral part of the community. Through various outreach programs and partnerships, we actively contribute to local initiatives aimed at enhancing the quality of life for residents. Our team is passionate about making a positive impact right here in Austin. As we look toward the future, we remain focused on our mission: to provide exceptional financial services while fostering growth in our community. We invite you to become part of our family at United Heritage. Experience the benefits of membership today! For any inquiries or assistance, don't hesitate to reach out at (512) 435-4545. Join us on this journey towards financial well-being together!

Branch Location & Accessibility

Welcome to United Heritage at River Place, your friendly neighborhood credit union located at 10815 Ranch Road 2222 in beautiful Austin, TX. We understand that convenience is key when it comes to banking, and our branch is designed with you in mind. Nestled near the scenic Balcones Park and just a short drive from Lake Travis, we're easy to reach whether you're coming from the bustling city center or the serene outskirts. Our branch offers ample parking and features accessible entryways to ensure everyone can visit us comfortably. If you need assistance, our friendly staff is always ready to help. While you're here, enjoy the ease of our drive-thru service for quick transactions, as well as access to our ATM for cash withdrawals and balance checks any time of day. We invite you to stop by during our lobby hours from Monday to Friday, 9 AM to 5 PM. If you're on the go, our drive-thru is available Monday through Friday from 8:30 AM to 5:30 PM and on Saturdays from 9 AM to 2 PM. Whether you're looking for personal banking services like checking and savings accounts or auto loans, we have something for everyone. For official correspondence, please note that while members can visit us at our branch location, all mail should be directed to PO Box 202020, Austin, TX 78720. Have questions? Don't hesitate to call us at 512-435-4545. We look forward to welcoming you into the United Heritage family!

Member Eligibility

At United Heritage, we believe that everyone deserves a chance to be part of a supportive financial community. Joining us is simple and welcoming! To become a member, you need to meet certain criteria, such as being a resident of the areas we serve or having a family member who is already part of our credit union. We value inclusivity and strive to make it easy for you to access our services. If you're interested in learning more about the specific eligibility requirements, feel free to check out the details at . Once you're ready to take the next step, opening an account with us is straightforward. You can get started by visiting our website or calling us at (512) 435-4545 for assistance. Our friendly team is here to guide you through every step of the process. Join United Heritage today and discover the benefits that come with being part of our community right here at 10815 Ranch Road 2222 Austin Tx 78730!

Business Banking & Commercial Services

Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $48 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $5 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $168,679,017, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer robust merchant services designed to streamline your transactions. Imagine processing payments effortlessly at your storefront or online, allowing you to focus more on what you do best running your business. Our systems are user-friendly and can adapt as your needs grow, ensuring you're always equipped for success. Located at 10815 Ranch Road 2222 Austin Tx 78730 in Austin, TX, our team is ready to partner with you on your journey. Contact us at (512) 435-4545 to learn more about how our business banking and commercial services can support your goals!

Comprehensive List Of Services

Business Banking Services

For our business members, we understand that every dollar counts. That's why we offer comprehensive business banking services, including merchant services and business loans to help your venture grow. Whether you're just starting out or looking to expand, we're here to support your journey.

Convenience at Your Fingertips

In today's fast-paced world, convenience is key. That's why we've invested in robust online and mobile banking solutions that allow you to manage your accounts from anywhere. With features like mobile payments and person-to-person transfers, accessing your finances has never been easier. Need cash? Our locations feature ATMs for quick withdrawals and balance checks. Plus, enjoy basic drive-thru banking for simple transactions like deposits and withdrawals without leaving your car.

Get in Touch

We invite you to visit us at 10815 Ranch Road 2222 Austin Tx 78730 or give us a call at (512) 435-4545 for more information about any of our services. Our team is ready to assist you with personalized advice tailored to your financial needs. Experience how easy banking can be with United Heritage, where we're committed to helping you succeed financially!

Personal Banking Solutions

For those looking to manage their everyday finances, we offer various personal banking options. Our checking and savings accounts are tailored to fit different lifestyles, making it easy for you to save for that dream vacation or manage daily expenses. If you're considering a new vehicle, our auto loans and vehicle financing can get you behind the wheel quickly with competitive rates. Thinking about buying a home? Our mortgage loans and refinancing options can help turn your dreams into reality. We also provide personal loans for those moments when unexpected expenses arise or if you're planning a big purchase. And don't forget our credit cards with rewards, which allow you to earn points on every purchase you make.

Digital & Online Banking

Effortless Transfers

Need to send money to a friend? Our person-to-person transfers are simple and fast, making it easy to share expenses or split bills with just a few taps. In short, United Heritage offers everything you need for modern banking while ensuring ease of use and top-notch security. Experience the freedom of managing your finances with confidence by visiting us online today!

Online Banking Made Easy

With our 24/7 online banking services available at http://www.uhcu.org, you can check your account balances, transfer funds, and pay bills without stepping foot in a branch. Whether you're at home or on the go, you'll have real-time access to your accounts right at your fingertips.

Secure and Accessible Features

Your security is our priority. We provide electronic signature authorization, allowing you to sign documents securely without the need for physical paperwork. Plus, e-statements are available for those who prefer digital records over traditional mail another way we help you stay organized while protecting the environment.

Stay Connected with Our Mobile Application

Our mobile application takes convenience a step further. You can download it easily to manage your finances directly from your smartphone. Need to make a quick payment or check your balance? Just open the app! And for those who prefer using their phones for payments, our mobile payments feature makes transactions quick and hassle-free.

Financial Strength

Committed Team

We take pride in having 224 full-time employees and 1 part-time employees. This dedicated team ensures that our branches are always ready to serve you with knowledgeable support.

Growing Member Base

Our strength is also reflected in our community engagement. With a total of 166,356 share accounts, it's clear that more people trust us with their finances every day. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, United Heritage is your trusted partner. Visit us at 10815 Ranch Road 2222 Austin Tx 78730 or call (512) 435-4545 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Member-Centric Savings

Members' savings are secured through $326,021,337 in share certificates and $168,703,037 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $82,720,798, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Robust Earnings and Lending Capacity

With $152,214,574 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $13,383 in used auto loans and $1,260,390,747 in total loans and leases. Our performance reflects operational efficiency as shown by our $0. This enables us to keep offering competitive loan rates and solid financial products tailored for our members.

Solid Financial Foundation

With a net worth of $152,535,233, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $962 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Offerings

For business owners, our outstanding commercial loans totaling $168,679,017 provide the capital needed to grow and expand your business. Additionally, we offer total credit lines amounting to $736,399,864, ensuring that you have access to funds when you need them. If you're considering refinancing your current loans or exploring eligibility options for any of our products, our knowledgeable staff is ready to assist you in understanding your options and finding the best solutions tailored to your needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At United Heritage, we pride ourselves on being more than just a lender; we're a partner in your financial journey. Come visit us today and let's find the right loan product for you!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $302,813,837 in used vehicle loans and $103,850,685 in new vehicle loans already helping members get on the road. We provide flexible financing options for both new and used vehicles to fit your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $75,964,328, make buying or refinancing simple. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is here to guide you every step of the way.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. While currently we have $0 in unsecured credit card loans, we aim to support our members with various financial needs effectively.

Loan Aggregator

Benefits of Using LendMesh

One of the key advantages of LendMesh is its focus on verified data. All loan offers are sourced from legitimate financial institutions, ensuring transparency in what you see. Additionally, LendMesh does not prioritize lenders based on paid promotions this means you'll receive unbiased results without any hidden agendas. Another significant feature is the real-time rate comparisons provided by LendMesh. You will have access to up-to-date loan rates from multiple institutions, enabling you to make informed decisions about your financial future. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!"

Ensuring Accurate Comparisons

LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to transparency means that you can trust the offers presented to you.

Get Started Today

If you're ready to find competitive loan rates tailored to your needs, compare real-time loan offers today at LendMesh. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

United Heritage